The Day of the Deed and the Total Care Service: We request the cancellation of the contract 15 days in advance, validate the amortization fee amounts (to avoid undue payments), and confirm the presence of the bank´s representative. We guarantee that the "machine" won´t jam at the last minute. 01 Jun 2026 min de leitura If your house has a mortgage, you cannot sell it without your bank´s authorization. This process is called a Mortgage Cancellation Request. It seems simple, but it´s where 40% of deeds are delayed. The Financial Mechanics: Principal Debt Calculation: The value changes daily (daily interest). The bank must issue a document with the exact value on the date of the deed. Interbank Coordination: On the designated day, the buyer´s bank issues two checks (or immediate transfers): one for you (the profit) and one for your bank (the debt). The Document: Your bank only issues the Mortgage Cancellation document if it receives the money that very second. If there is a communication failure, the notary´s office will not sign. Share article FacebookXPinterestWhatsAppCopiar link Link copiado